"No-fault" pileup

Just thought you might like to hear this...
"Acts of God" or "no fault" accidents do occur. My roomate,
during his senior year in high school was involedin one such accident.
Although this is the kid who has been involved in 13(?) accident in 4
years (3 in two days) he was not at fault here.
He was travelling to prep school on a snowy morning going no more than
35mph on route 128 in MA. There was a woman about 1/4 mile ahead of him.
As he turned into a sweeping corner he found the woman heading straight
for him. She had skidded going into the corner (at 35mph also) and got
turned around. (Ok, so she did not know how to skid, but...) Wham! She
hits him head on. Ouch! She gets out, he gets out, he screams, she
crys, police arrive.
Police officer says something like, "It's an act of God." Of
course all that means is that my roomate has to pay 1/2 of all damages. :(
Andrew